CIT Bank Savings Account: Up to 4.10% APY*

CIT Bank just launched an incredible saving account promotion where you can earn up to a 4.10% APY when you open a Platinum Savings account. This offer is available to both new and existing CIT Bank customers.

Platinum Savings already offers one of the best high-yield savings accounts available with a top-rate of up to 3.75%¹ APY, more than 9x the national average², but this offer makes it that much better! Full details below.

For more current bank offers, see our bank bonuses page. The most popular offers are from Chase Bank, SoFi, KeyBank, Chime and Axos Bank.

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CIT Bank Platinum Savings Account Bonus Offer

Open a CIT Bank Platinum Savings Account to earn a 0.35% APY boost* for six months over the standard APY when you open an account using the links below and enter the promo code CITBOOST:

Step-by-Step Directions:

1. Open a CIT Bank Platinum Savings account with using this link.
2. Enroll in the offer using promo code CITBOOST (promo code automatically added if you use any links in this post).
3. Enjoy a 0.35% APY boost for six months.

Offer Details:

Availability: Nationwide
Expiration: May 31, 2026
Household Limit: None
Direct Deposit Required: No
Early Account Termination Fee: No

Who is Eligible?

This limited time offer is available to new and existing customers who meet the Platinum Savings promotion criteria. The promotion begins on February 13, 2026 and ends April 13, 2026.

Avoiding Fees:

The CIT Bank Platinum Savings Account has no account opening or monthly service fees, so there’s nothing to worry about on this front.

About CIT Bank

CIT Bank is a division of First Citizens Bank, a publicly-traded bank (NASDAQ: FCNCA) founded in 1898 and has over $220 billion in total assets and holds $151 billion in total deposits, making it a Top 20 bank by assets.

This is an FDIC-insured bank, so your deposits are protected up to $250,000 per depositor, per insured bank, and per ownership category. This means that if you have multiple accounts at the same bank, you are insured for more than $250,000 if your funds are in different ownership categories.

The Bottom Line

Wow! What a great offer for savers. High-yield savings accounts aren’t that lucrative for banks since the yield is so high, so it’s surprising to see a bank offer an additional APY boost on top of their already competitive rate.

CIT Bank isn’t a fly-by-night company either. Its parent company, First Citizens Bank, is a US top 20 consumer bank. They have over 100 years of operational experience, so there’s added peace of mind compared to smaller banks.

While all FDIC-insured banks protect your money up to the stated maximum limits, you really don’t want the hassle of sorting through that process should it happen (I know I don’t). Given their size and assets under management, stability and security are two of CIT Bank’s best features.

The one caveat of the CIT Bank Platinum Savings account is that to get the full 4.10% APY (3.75% APY base + 0.35% APY boost), you need to have a balance of at least $5,000, otherwise, you earn 0.60% APY (0.25% APY base + 0.35% APY boost) instead.

First-Citizens Bank & Trust Company. Member FDIC.

1. Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs – Annual Percentage Yields are accurate as of January 9, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.
2. Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of February 17, 2026.

*Platinum Savings APY Boost Promotion Terms and Conditions: This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria. Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.35% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate. The Promotion begins on February 13, 2026, and ends May 31, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions. The promotion can end at any time without notice.

For complete list of account details and fees, see CIT Bank’s Personal Account disclosures.